Call reports 2012
FIRST TRUST AND SAVINGS BANK — 2012
What FIRST TRUST AND SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 126,719,000 | 128,248,000 | 128,692,000 | 136,108,000 |
| Total loans | 109,436,000 | 109,754,000 | 113,202,000 | 116,999,000 |
| Allowance for loan losses | 1,218,000 | 1,150,000 | 1,210,000 | 1,253,000 |
| Securities available for sale | 8,227,000 | 8,097,000 | 8,353,000 | 7,908,000 |
| Securities held to maturity | 195,000 | 120,000 | 120,000 | 120,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,468,000 | 111,787,000 | 111,247,000 | 116,395,000 |
| Interest-bearing deposits | 93,838,000 | 95,145,000 | 93,211,000 | 80,469,000 |
| Noninterest-bearing deposits | 16,630,000 | 16,642,000 | 18,036,000 | 35,926,000 |
| Equity capital | 12,473,000 | 12,625,000 | 12,764,000 | 12,914,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,465,000 | 2,918,000 | 4,375,000 | 5,848,000 |
| Interest expense | 336,000 | 666,000 | 991,000 | 1,302,000 |
| Net interest income | 1,129,000 | 2,252,000 | 3,384,000 | 4,546,000 |
| Noninterest income | 155,000 | 296,000 | 432,000 | 597,000 |
| Noninterest expense | 812,000 | 1,611,000 | 2,403,000 | 3,222,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 413,000 | 818,000 | 1,234,000 | 1,664,000 |
| Income tax | 0 | 21,000 | 63,000 | 81,000 |
| Net income | 413,000 | 797,000 | 1,171,000 | 1,583,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,918,000 | 12,079,000 | 12,255,000 | 12,438,000 |
| Total capital | 13,136,000 | 13,229,000 | 13,465,000 | 13,691,000 |
| Risk-weighted assets | 111,487,000 | 112,651,000 | 116,384,000 | 119,604,000 |